EA200801298A1 - SYSTEM AND METHOD FOR IMPLEMENTING NON-CASH PAYMENTS - Google Patents

SYSTEM AND METHOD FOR IMPLEMENTING NON-CASH PAYMENTS

Info

Publication number
EA200801298A1
EA200801298A1 EA200801298A EA200801298A EA200801298A1 EA 200801298 A1 EA200801298 A1 EA 200801298A1 EA 200801298 A EA200801298 A EA 200801298A EA 200801298 A EA200801298 A EA 200801298A EA 200801298 A1 EA200801298 A1 EA 200801298A1
Authority
EA
Eurasian Patent Office
Prior art keywords
payment
services
payments
financial institution
key code
Prior art date
Application number
EA200801298A
Other languages
Russian (ru)
Other versions
EA011546B1 (en
Inventor
Михайло Комиссарук
Original Assignee
Михайло Комиссарук
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Михайло Комиссарук filed Critical Михайло Комиссарук
Publication of EA200801298A1 publication Critical patent/EA200801298A1/en
Publication of EA011546B1 publication Critical patent/EA011546B1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Изобретение относится к области автоматизации коммерческих соглашений и может быть использовано в торговле и в сфере предоставления разных видов услуг. С его помощью можно осуществлять разные виды платежей и расчетов в пределах платежной системы, в том числе за услуги связи (мобильного, проводного, спутникового, IP и др.), за услуги Интернет, коммунальные услуги, оплату товаров и услуг, перевода средств и др. Система и способ для осуществления безналичных платежей со счета плательщика в финансовом учреждении плательщика на счет получателя в финансовом учреждении получателя в пределах платежной системы предусматривают использование авторизованного условного платежного поручения, которое содержит, по крайней мере, идентификатор получателя, сумму платежа и ключевого кода, который генерирует финансовое учреждение, и авторизованного запроса, который содержит, по крайней мере, ключевой код, причем проверку соответствия авторизованного условного платежного поручения плательщика авторизованному запросу получателя осуществляют, по крайней мере, на тождественность идентификатора получателя и ключевого кода, присутствующего в них. Если коды являются тождественными, осуществляют перевод средств.The invention relates to the field of automation of commercial agreements and can be used in trade and in the provision of various types of services. It can be used to make various types of payments and payments within the payment system, including for communication services (mobile, wired, satellite, IP, etc.), for Internet services, utilities, payment for goods and services, transfer of funds, etc. A system and method for making non-cash payments from a payer’s account at a payer's financial institution to a payee’s account at a payee’s financial institution within the payment system provides for the use of an authorized conditional payment order, which contains at least the beneficiary's identifier, the amount of the payment and the key code that the financial institution generates, and an authorized request that contains at least the key code , on the identity of the recipient identifier and the key code present in them. If the codes are identical, transfer funds.

EA200801298A 2005-11-11 2006-11-07 System and method for making cashless payments EA011546B1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
UA2005010688 2005-11-11
UA2005012740 2005-12-28
PCT/UA2006/000061 WO2007055675A1 (en) 2005-11-11 2006-11-07 System and method for making cashless payments

Publications (2)

Publication Number Publication Date
EA200801298A1 true EA200801298A1 (en) 2008-10-30
EA011546B1 EA011546B1 (en) 2009-04-28

Family

ID=37708934

Family Applications (1)

Application Number Title Priority Date Filing Date
EA200801298A EA011546B1 (en) 2005-11-11 2006-11-07 System and method for making cashless payments

Country Status (2)

Country Link
EA (1) EA011546B1 (en)
WO (1) WO2007055675A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2646396C2 (en) * 2016-05-26 2018-03-02 Самуил Лейбович Горелик Method of fare payment in public transport

Families Citing this family (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CZ299351B6 (en) * 2007-07-26 2008-07-02 Direct Pay, S.R.O. Method of making payment transaction by making use of mobile terminal
US8504450B2 (en) * 2007-08-31 2013-08-06 Ebay Inc. Mobile remittances/payments
WO2009070848A1 (en) * 2007-12-07 2009-06-11 Redepay Pty Ltd System and method for conducting a monetary transaction between communication devices
EP2251825A1 (en) * 2009-03-04 2010-11-17 Prepaytrans Gestion Empresarial, S.L. System for performing safe telemetric transactions
US20120246071A1 (en) * 2011-03-21 2012-09-27 Nikhil Jain System and method for presentment of nonconfidential transaction token identifier
US11562353B2 (en) * 2015-11-24 2023-01-24 Mastercard International Incorporated Method and system for gross settlement by use of an opaque blockchain
RU2761419C1 (en) * 2020-11-11 2021-12-08 Акционерное общество "Национальная система платежных карт" Method and system for transferring monetary funds from account to account

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000322486A (en) * 1999-02-12 2000-11-24 Citibank Na Method and system for fulfilling bank card transaction
US20010025271A1 (en) * 1999-12-14 2001-09-27 Allen Douglas G. Commercial transaction system and method for protecting the security and privacy of buyers transacting business over a communication network
GB0010422D0 (en) * 2000-04-28 2000-06-14 Cast Technologies Limited Payment apparatus and method
UA64840C2 (en) * 2001-10-12 2004-03-15 Віталій Євгенович Леонідов-Каневський Method of fulfilling payments by electronic facilities (variants)
US6908030B2 (en) * 2001-10-31 2005-06-21 Arcot Systems, Inc. One-time credit card number generator and single round-trip authentication
US20040054624A1 (en) * 2002-09-13 2004-03-18 Qi Guan Procedure for the completion of an electronic payment

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
RU2646396C2 (en) * 2016-05-26 2018-03-02 Самуил Лейбович Горелик Method of fare payment in public transport

Also Published As

Publication number Publication date
EA011546B1 (en) 2009-04-28
WO2007055675A1 (en) 2007-05-18

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Legal Events

Date Code Title Description
MM4A Lapse of a eurasian patent due to non-payment of renewal fees within the time limit in the following designated state(s)

Designated state(s): AM AZ BY KZ KG MD TJ TM RU

NF4A Restoration of lapsed right to a eurasian patent

Designated state(s): AM AZ BY KZ MD TJ TM RU

PC4A Registration of transfer of a eurasian patent by assignment
PC4A Registration of transfer of a eurasian patent by assignment
MM4A Lapse of a eurasian patent due to non-payment of renewal fees within the time limit in the following designated state(s)

Designated state(s): AM AZ BY KZ MD TJ TM

MM4A Lapse of a eurasian patent due to non-payment of renewal fees within the time limit in the following designated state(s)

Designated state(s): RU